Small business owners can use loans to grow their business. You can use the funds however you wish.

Cover Expenses

Pay for any unexpected expenses that arise.

Invest in your business

Use the loan to grow your business however you wish.


Use the loan to pay your employees.


Keep the cash on hand for future expenses.


Buy new equipment to grow your business.


Use the loan to hire new employees.

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24-48 Hours

Loans up to

$10 Million

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Delancey Street Can Help with Texas

We're committed to building relationships and helping people all over the USA get access to the RIGHT loan for them. Regardless


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Our app process is super easy. All it takes is one application, and we handle the rest for you.


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Many of our team members are former business owners, and understand your challenges.


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We help virtually any industry, any business, anywhere in the USA. It doesn't matter.


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What’s A Texas Merchant Cash Advance?

Merchant cash advances (or MCAs) is an alternative financing option that technically is not a traditional loan.

In an MCA transaction, an MCA company provides a business a cash advance in exchange for a set percentage of that business’s daily sales (plus fees).

A Texas merchant cash advance is a easy way for businesses in Texas to get the cash they need to finance their business-without the credit score minimums and collateral requirements of a traditional business loan.

Advantages of Texas Merchant Cash Advance

Merchant cash advances offer many advantages over traditional business loans:

  • Fast, Simple Approval Process
  • Instant Access To Funds
  • Great Credit Not Required
  • Works With Most Types of Businesses

Does Your Business Qualify for a Texas Merchant Cash Advance?

Would your business be eligible for a merchant cash advance?

The key advantage to a merchant cash advance is the wide availability of this financing option.

Even with bad credit, minimum collateral, and have only been in business for a few years, you may qualify for a merchant cash advance.

Merchant cash advances are a great vehicle for short-term financing, especially if you operate a retail business such as a store or a restaurant. For such businesses with limited working capital, merchant cash advances can be a real lifesaver!

Typical Candidate for a Texas Merchant Cash Advance

A typical candidate that qualifies for a Texas merchant cash advance has ~$200k in annual revenue, a credit rating of at least 550, and has been in business for at least 2 years.

What You Need to Apply for a Texas Merchant Cash Advance

Compared to a traditional business loan, what you need to get approved for a Texas merchant cash advance is much simpler and more accessible.

The key requirement is level of daily credit card and debit card sales. MCAs are backed by these daily transactions, so in order to be approved you need to have sufficient volume to make a deal worthwhile for a merchant cash advance financing company.

MCAs may also require you provide credit and bank statement information as well.

Unlike a traditional loan, merchant cash advances can be applied for online, with a fast approval timeline (typically one business day).

The trade-off to this fast and easy process is the cost of such financing. Compared to a business loan, a merchant cash advance will always be a more expensive financing option.

What is the Cost of My Texas Merchant Cash Advance?

The cost of merchant cash advance financing is calculated using a factor rate.

For example, let’s say your business is approved for a $25,000 advance that has a factor rate of 1.2.

This means that you will owe the merchant cash advance financing company $30,000 to repay the loan.

You will typically negotiate with the merchant cash advance company what percentage of your daily sales will be used to repay the advance; a typical percentage is 15%. If your credit card/debit card sales were $25,000 a month, this would mean it would take 8 months ($30,000/10=$3,750) to repay the merchant cash advance.

8-9 months is the typical length of time it takes for a business to repay a merchant cash advance.

A Texas Merchant Cash Advance May Be Worth It

While this alternative financing option is almost always more expensive than a traditional bank loan, it is a much simpler way for a small business with a limited or bad credit history and minimum collateral to finance its operations.

The cost may be worth it if it can help take your business to the next level. For a business just starting out and looking to grow into a sustainable, profitable enterprise, a Texas merchant cash advance may just be the right financing option.